Personal Checking
A checking account is more than just a way to pay bills—it’s your financial lifeline. It’s how you access the money you work hard to earn, manage your daily expenses, and maintain financial stability. Your Midwest BankCentre checking account provides the flexibility and convenience needed to handle all your financial transactions, ensuring that your hard-earned money is always within reach when you need it.
Personalized checking solutions to fit your financial needs.
At Midwest BankCentre, we understand that everyone’s financial needs are unique. That’s why we offer a variety of checking accounts to fit your lifestyle. Whether you need a simple, no-frills account, or one with premium benefits, we have the perfect solution for you.
All Midwest BankCentre checking accounts offer:
- Online Banking and Bill Pay
- Mobile Banking with optional Mobile Deposit
- Visa® Debit Card with EMV built-in chip technology
- Surcharge-Free ATM access at over 20,000 MoneyPass® ATMs nationwide
- eDocs – an electronic version of your statements with check images simply emailed to you
Basic Checking
From bills to shopping, easily manage your everyday banking needs.
Account Details
$250 average monthly balance;
Or $500 inclusive deposit balances;
Or monthly direct deposit
Rewards Checking
More rewards. Less fees. Get rewarded for the balances you keep.
Account Details
Max Rewards Checking
Get maximum benefits and discounts while earning interest.
Account Details
Or $20,000 inclusive deposit balances
Student Checking
Start a strong financial foundation with this account designed specifically for students.
Account Details
$0.00
Horizon 55 Checking
Adults age 55+ can enjoy convenience, accessibility, and discounts with this account.
Account Details
$2,500 average daily balance;
or $10,000 inclusive deposit balances
$8.00
when balance requirements are not met
This is an abbreviated list of our most popular checking accounts. Other restrictions may apply. Other benefits may be included. See a banker for details.
Max Rewards Checking Account Information
Tiers | Interest Rate1 | APY* | |
|---|---|---|---|
Max Rewards Checking | $0 – $4,998.99 | 0.05% | 0.05% |
| $4,999 – $499,998.99 | 0.10% | 0.10% | |
| $499,999 and up | 0.15% | 0.15% |
1 Rates shown apply to daily balances indicated. Interest rates are effective as of 10/29/2025 and may change after account opening. Daily balance refers to the amount of the principal in the account each day. If the daily balance in the account is $4,998.99 or less, the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%. An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $4,999.00 but less than $499,999; with an annual percentage yield range from 0.05% to 0.10%, depending on the balance in the account. An interest rate of 0.15% will be paid only for that portion of your daily balance that is equal to or greater than $499,999; with an annual percentage yield range from 0.10% to 0.15%, depending on the balance in the account. (APY calculations are based on a total deposit balance of $10,000.00).
*APY is the Annual Percentage Yield.
Debit Cards
Manage money easily with a Midwest BankCentre debit card.
The Midwest BankCentre Visa® debit card offers convenient access to your funds with secure, contactless payments, no annual fees, and access to over 20,000 surcharge-free ATMs nationwide. It also provides fraud protection and real-time transaction alerts, ensuring safe and easy money management.
When life happens, we’ve got your back.
Our Life Happens™ Checking helps customers who are trying to establish or rebuild their financial history by offering a FDIC-insured checking account designed to help you manage your money with powerful technology and limited fees.
If you don’t have financial history or you are looking to rebuild, you may benefit from our Life Happens™ Checking.
FAQs
Learn about our account options, online banking tools, and additional services designed to make banking easy and convenient. If you need further assistance, our team is always here to help. Explore our FAQs to get started on your path to better banking.
What do I need to open a personal banking account?
To open an account, you’ll need a valid government-issued ID (such as a driver’s license or passport) and proof of address. Additional documents may be required based on the type of account.
How can I access my accounts online?
You can access your accounts through our online banking portal on our website or by using our mobile banking app, available for both iOS and Android devices.
How do I set up direct deposit?
To open an account, you’ll need a valid government-issued ID (such as a driver’s license or passport) and proof of address. Additional documents may be required based on the type of account.
How do I enroll in paperless statements?
Enroll in Midwest BankCentre’s free online banking and log in to your account. There you can sign up for paperless statements, reducing your risk of mail fraud and simplifying your record keeping.
Discover the power of banking local.
When you bank with us, you gain a trusted advisor while your money stays in the region, opening more doors for more people.